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Bank Of Louisiana

IDRSSD: 271136
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -12

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #271136 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Strong

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.52%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.54% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -45
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.8%, cash 5.7% of assets.

Cash / Assets
5.70%
Loans / Deposits
62.83%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.03%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.94%, CET1 19.94%, leverage 11.37%.

Tier 1 RBC
19.94%
CET1
19.94%
Leverage
11.37%
No watch items at this period.

Asset Quality

WatchQoQ -45
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.54%, Texas Ratio 10.4%, NCO YTD 0.21%.

Adjusted NPL
2.54%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.21%
30-89 PD
5.90%
Band 0.3% / 3.0%
90+ PD
1.52%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.54% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.52%.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 3.54% of loans, coverage 144.4%, true coverage 144.4%.

ALLL / Loans
3.54%
Coverage
144.4%
True Loss Coverage
144.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 19:57:56 UTC